4 Things You Absolutely Should Not Do After You Apply for a Mortgage

If you have a good credit history and are prepared to invest in a home, you may be feeling pretty confident about the mortgage process. However, it’s important to be aware that there are things that can have a negative impact on your application. Whether you’ve just submitted your documents or are getting close to it, here are some things you may want to avoid.

Acquiring New Credit

It may seem silly that something as minor as a new credit card can be a mark against your credit, but applying for new ones can be a bad sign to lenders. The problem is that this can be signal an unmanageable debt load, so you may be considered a high risk for not being able to make your payments.

Forget To Pay Your Bills

It’s easy enough to get lulled into the feeling that your mortgage application will be approved, but this doesn’t mean that you should forget your financial responsibilities. If you’ve had poor credit in the past and neglected paying your bills on time, now is not the time to do this. Instead, ensure that you’re paying all bills and any applicable minimum payments in advance of the due date so your credit score is not impacted.

Close Old Credit Cards

Many people think that closing out old credit cards can be a positive financial step forward and a good way to streamline their finances, but this can cause damage to your credit score. Because closing a credit card will change your available balance and bump up your debt load, it may mean that your debt percentage will increase. Instead of risking this, leave them active until you’ve received approval.

Quit Your Job

Few people will have the ability to quit their job when they’re applying for a mortgage, but doing this or incurring other fluctuations in your monthly income can cause problems with your application. If you are self-employed, there may be peaks and valleys in your finances, but a huge shift in what you bring home can show lenders that you’re not a solid bet.

There can be a lot of stress that comes along with the mortgage application process, but by paying your bills on time and staying on top of your payments, you can avoid negatively impacting your approval.   To start your home search, give me a call – J.P. Cook – 602-320-4253.

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646 W Naranja Avenue Mesa, AZ 85210

$614,500

4 Beds

2.5 Baths

2,039 SqFt

Status Active

MLS # 6738172

Property Type Single Family Residence

Price Type --

***UPDATE...With an Accepted Offer, Seller will pay off Solar Lease before close of escrow.**Price Reduced** $10k Below Market value and ready to sell, Seller says bring an offer!! Welcome to your dream home, a beautifully remodeled gem located in desirable Mesa neighborhood. This stunning residence has been thoughtfully updated both inside and out, combining modern luxury with functional design. The updated kitchen is a chef's delight, featuring sleek stainless steel appliances and elegant quartz countertops that make meal preparation a pleasure. Crown molding throughout the downstairs and in the primary bedroom adds a touch of sophistication, while all-new fixtures and custom shutters with faux blinds enhance the home's refined aesthetic. Step outside to enjoy your private oasisa sparkling pool perfect for cooling off on hot summer days. The front and back yards are zero-scaped, providing beautiful, low-maintenance outdoor spaces that are as practical as they are attractive. This home isn't just a place to live; it's a lifestyle upgrade. Don't miss out on this exceptional opportunity, schedule a showing today and experience the perfect blend of elegance and convenience!

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25125 N 171st Lane Surprise, AZ 85387

$614,323

5 Beds

4 Baths

3,185 SqFt

Status Active

MLS # 6762106

Property Type Single Family Residence

Price Type --

MLS#6762106 January Completion! The versatile Victory floor plan at Asante boasts an open-concept design, where the kitchen seamlessly connects to the great room, complemented by a nearby dining area. The first-floor primary suite offers a spacious walk-in closet and a well-appointed bath. The main level also includes a full bathroom, an additional half bath, and a flexible space perfect for a home office or playroom. Upstairs, you'll find secondary bedrooms, a full bathroom, ample storage, and a loft, providing additional space for relaxation or entertainment. Structural options added include; Gourmet kitchen,12' x 8' sliding glass door, paver front porch and walkway, bedroom 5 with bath 4, and garage service door.

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3645 E Decatur Street Mesa, AZ 85205

$614,000

4 Beds

2.5 Baths

2,448 SqFt

Status Active

MLS # 6775556

Property Type Single Family Residence

Price Type --

Discover this beautifully updated home situated on over a quarter-acre lot backing onto a greenbelt in an established Mesa neighborhood, free from HOA constraints. The layout includes a front living room with soaring two-story vaulted ceilings and a fireplace, a dining area with a bay window, and a separate family room boasting another fireplace. The kitchen is equipped with white cabinetry, granite countertops, stainless steel appliances, a pantry, a built-in desk, and a peninsula offering breakfast bar seating. The expansive backyard is an oasis featuring a full-length covered patio with ceiling fans and roll-down shades, a built-in pool and spa secured by a removable fence, ample grassy areas for play, a storage shed, and a spacious side yard with an RV gate and concrete slab. The main floor primary bedroom features double door entry, a tray ceiling, hardwood floors, and an en-suite bathroom with a dual-sink vanity, separate tub and shower, and a walk-in closet. Upstairs, you'll find secondary bedrooms and a full bathroom with double sinks and a tub/shower combination; one bedroom even has double doors leading to a balcony. Additional amenities include plantation shutters, fresh carpeting, one new A/C unit, and an oversized two-car garage with a service door to the backyard.

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917 W Desert Hills Estate Drive Phoenix, AZ 85086

$614,000

3 Beds

2 Baths

1,600 SqFt

Status Active

MLS # 6750600

Property Type Single Family Residence

Price Type --

Looking for trail options to ride your horse from home? This horse property has three desert trailhead options within a mile of the home. This well-maintained, single-owner 3-bedroom, 2-bathroom home spans 1,600 SF on a spacious 1.125-acre lot, offering the perfect blend of rural charm, and modern conveniences. The property features a horse corral, a one-horse mare motel, and a detached 24x14 Tuff Shed/tack room, ideal for a tack room or storage. Situated on a private road with only two other residences, you'll enjoy unparalleled seclusion with an untouched natural desert lot to the north. Breathtaking mountain views and a serene country lifestyle. This move-in-ready home includes a two-car garage and an outdoor water feature that adds a soothing touch to your outdoor space. The open floor plan seamlessly connects the kitchen, dining, and living areas, while the split layout ensures privacy for the master suite. The master bedroom boasts dual sinks, a private toilet, and a tiled walk-in shower. Recent upgrades include a new roof in 2022, a new AC unit in 2017, exterior paint in 2021, and a new septic system in 2023. The home also features all-new windows (except the garage) installed in 2021, New kitchen counter tops, kitchen sink and faucet 2021, and newer appliances including a 2021 refrigerator, built-in microwave, a 2022 dishwasher, and a 2018 washer. The well is a 4 share well. This North Phoenix rural horse property offers the tranquility of country living while being conveniently close to the Carefree Highway, I-17, restaurants, shopping, and other amenities. Horse riding trails into the vast desert is a short 4,000 feet away. Don't miss out on this exceptional opportunity!

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9122 W Circle Drive Strawberry, AZ 85544

$614,000

3 Beds

2 Baths

2,027 SqFt

Status Active

MLS # 6703166

Property Type Single Family Residence

Price Type --

Nestled on a secluded 0.40 acre lot, this private home boasts a spacious 2027 sq ft of living space. As you step inside, you are welcomed with a generous great room adorned with cathedral ceilings and a warming gas fireplace, offering a cozy ambiance for gathering or quiet evenings in. The allure of outdoor living is evident with covered back deck overlooking a sprawling yard, providing a perfect setting for outdoor dining, sitting around the fire pit or simply soaking up nature's beauty. Upstairs is a sizable primary bedroom which provides a tranquil sanctuary, vehicle an open loft area offers versatility for various lifestyle needs. This is horse property with two stalls. The 2-car garage has a full attic making for ample storage.

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18835 N 16th Place Phoenix, AZ 85024

$614,000

4 Beds

2.5 Baths

2,259 SqFt

Status Active

MLS # 6761517

Property Type Single Family Residence

Price Type --

Welcome to this beautifully updated home in the heart of North Phoenix! This charming property in a gated community, boasts an open, airy layout that fills the space with natural light, enhanced by fresh, modern paint throughout. The kitchen features sleek white cabinetry, creating a clean and inviting space for cooking and gathering. Situated on a large lot, this home offers ample outdoor space, perfect for relaxation or play. From the upstairs bedrooms, enjoy breathtaking mountain views, adding a serene and picturesque backdrop to your daily life. With Mountains and trails just minutes away, this home is an ideal retreat for nature enthusiasts seeking both comfort and adventure.

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9443 W Melinda Lane Peoria, AZ 85382

$612,900

4 Beds

2 Baths

2,684 SqFt

Status Active

MLS # 6734784

Property Type Single Family Residence

Price Type --

Welcome to this beautifully updated single-story home featuring 4 spacious bedrooms and 2.5 modern bathrooms. Step inside to fresh interior paint and new carpeting in the bedrooms, creating a cozy and inviting atmosphere. The open kitchen boasts elegant quartz countertops and brand-new stainless steel appliances, including a microwave, dishwasher, and range, perfect for the home chef. The family room flows seamlessly from the kitchen, providing an ideal space for gatherings and entertaining. Outside, enjoy the sparkling pool, perfect for relaxation and outdoor fun. This home is the epitome of comfort and style, ready for you to move in and make it your own.

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4284 Ponderosa Trail Wickenburg, AZ 85390

$612,721

3 Beds

2 Baths

1,828 SqFt

Status Active

MLS # 6770314

Property Type Single Family Residence

Price Type --

Welcome to the Flourish floor plan in the Homestead neighborhood, a stunning designer home crafted by the Shea interior design team. This 2 bed, 2 bath home features GE Profile electric built-in appliances & brushed nickel accents throughout. Enjoy upgraded framed mirrors & heavy glass enclosures at both baths, along with upgraded quartz countertops & custom tile mosaics. The kitchen boasts full overlay cabinets, cabinet pullouts, under-cabinet lighting, & a 15ft sliding glass wall in the living room. Additional features include upgraded electrical, extended covered patio, 4ft garage extension, $23k in tile flooring, & nearly $30k in custom landscaping. Visit the Shea sales office for current incentives.

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948 N 87th Street Scottsdale, AZ 85257

$612,560

3 Beds

2 Baths

1,484 SqFt

Status Active

MLS # 6767447

Property Type Single Family Residence

Price Type --

Wonderful Scottsdale, large cul-de-sac. Entertain at home, or you are moments away from the wonderful downtown & Old Town Scottsdale Art District, Restaurants and Fashion Square Shops. Enter take off your shoes and enjoy the engineered hardwood floor the home. Cook up your favorite meals in this Wide Open Kitchen where all your guests can gather in the large eating area next to the kitchen. Great views from the Kitchen window. Large family room, open courtyard in middle of the home. Master Bedroom view to private garden. Large walk-in tiled shower. Pool fence is remove-able for special occasions. Energy efficient windows 2016. Extra 220 volt outlets for special appliances or work tools. Nice yard with sunrise views. Seller contribution for pool updates. Enjoy the bike/walk trails.

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8133 E Sunwing Ridge Drive Hereford, AZ 85615

$612,500

4 Beds

4 Baths

2,700 SqFt

Status Active

MLS # 6757370

Property Type Single Family Residence

Price Type --

Welcome to your dream rural retreat! This stunning 4-bedroom, 3-bathroom home boasts 2,361 sq ft of open southwest-style living space, plus a separate app. 320 sq ft spa room complete with a private bathroom. Cook gourmet meals in the state-of-the-art kitchen featuring custom cabinets, granite countertops, and a double island seamlessly integrated into the open floor plan. Set on 3.34 acres with breathtaking panoramic views of the grassland and mountains, this property offers tranquility and space for all your needs. The expansive rear patio in a courtyard setting is perfect for entertaining or enjoying a quiet evening under the stars. Animal lovers will appreciate the separately fenced area at the rear of the home. For car enthusiasts, there's plenty of space in the 5-car garage

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10418 S 46th Way Phoenix, AZ 85044

$612,000

3 Beds

2 Baths

1,856 SqFt

Status Active Under Contract

MLS # 6752148

Property Type Single Family Residence

Price Type --

Gorgeous Spanish-style Cul de sac home awaits your visit! This home is best described as being elegant, yet very comfortable. It has mountain views, walking distance to South Mountain trails & the park!! The 3rd bedroom was converted into a large walk-in closet but can easily be converted back. From the moment you enter this home You'll see natural light from the large windows and from the skylights! You can relax in the family room next to the electric fireplace or read a book in the living room. Seller has spent around 40K on new high end Anderson windows and remote-controlled skylights! Primary bedroom is large with windows facing the pool, which gives you a resort feeling! Adjacent to the primary bedroom and separated by a rustic barn door, there is a large walking closet. Continued All appliances are top of the line and less than 4 yrs old. The house was stucco-ed and freshly painted in 2021. The new patio door welcomes you to a huge backyard oasis with the pool and well-maintained desert garden!! Don't forget to see the list of upgrades! This is a very unique, wonderful home that has been loved and cared for!!Come see it today!!! Buyer to verify all the info in the MLS.

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899 S Roanoke Street Gilbert, AZ 85296

$612,000

4 Beds

2.5 Baths

1,892 SqFt

Status Active

MLS # 6723501

Property Type Single Family Residence

Price Type --

Welcome to your dream home in a prime Gilbert neighborhood, offering an exceptional blend of modern luxury and serene surroundings. This meticulously maintained property offers the perfect blend of indoor comfort and outdoor tranquility, making it an ideal choice for discerning buyers. Bathed in natural light, this home boasts extensive remodeling with attention to detail. Featuring waterfall countertops, the kitchen is both stylish and functional, catering to culinary enthusiasts. Custom accent walls in the living room and primary bedroom add character and charm. Experience luxury in the spa-like primary bathroom, offering a retreat within your own home. Enjoy a large, private backyard adorned with fruit trees and a sparkling pool, ideal for relaxation and entertaining. New roof in 2021.

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